ACM - Credit Retail Secured - Vizag
Aditya Birla Capital · Andhra Pradesh
- Experience6–10 yrs
- SalaryNot disclosed
- Work modeonsite
- Posted28 Sept 2026
About Aditya Birla Capital
Aditya Birla Capital is hiring in Andhra Pradesh in financial services. This role looks for around 6+ years of experience.
Skills
- Credit Appraisal & Underwriting
- Financial Statement Analysis
- Banking & Cash Flow Assessment
- Risk Evaluation & Mitigation
- Portfolio Monitoring
- Collateral Evaluation
- Regulatory & Compliance Knowledge
- MIS and Analytical Skills
The role
A credit manager at a retail lending company assesses credit appraisal and underwriting for secured lending, applies financial statement analysis and risk evaluation, and monitors portfolio quality while guiding credit teams. The role also uses collateral evaluation and regulatory compliance to support responsible portfolio growth.
Full job description
Job Description: Area Credit Manager (Retail Lending)
Position: Area Credit Manager (ACM)
Location: Visakhapatnam (Vizag)
Department: Credit
Reporting To: Regional Credit Manager
Role Purpose
To oversee and manage the credit underwriting function for the assigned geography, ensuring quality portfolio growth, adherence to credit policies, and timely approval of retail lending proposals while maintaining portfolio health and risk standards.
Key Responsibilities
Manage credit appraisal and underwriting for Retail Secured products such as Home Loans, LAP, SME, and Mortgage Loans across the assigned area.Analyze financial statements, banking behavior, business cash flows, income documents, and credit bureau reports.Ensure thorough assessment of customer eligibility, repayment capacity, and collateral quality.Maintain TAT for login scrutiny, credit evaluation, and approval processes.Conduct personal discussions and field investigations wherever required.Monitor portfolio quality and initiate corrective actions to control delinquency and credit losses.Support business teams in achieving disbursement targets without compromising credit quality.Review deviations and recommend suitable risk mitigation measures.Guide and mentor Credit Managers, Credit Officers, and field credit teams.Coordinate with Legal, Technical, Operations, Sales, and Collection teams for smooth processing.Ensure compliance with internal credit policies, regulatory guidelines, and audit requirements.Prepare periodic MIS reports and portfolio analysis for management review.
Key Performance Indicators (KPIs)
Portfolio Quality & Delinquency ControlCredit Approval TATDisbursement SupportFirst Payment Default (FPD) ControlCredit Cost ManagementAudit & Compliance ScoresProductivity of Credit TeamCross-functional Stakeholder Satisfaction
Eligibility Criteria
Graduate in Commerce, Finance, Business Administration, or related field.MBA (Finance) / CA Inter preferred.6 to 10 years of experience in Credit Underwriting for Retail Assets.Minimum 2 to 3 years of team handling experience.Strong understanding of financial analysis, risk assessment, and collateral evaluation.
Required Skills
Credit Appraisal & UnderwritingFinancial Statement AnalysisBanking & Cash Flow AssessmentRisk Evaluation & MitigationTeam ManagementPortfolio MonitoringDecision MakingStakeholder ManagementRegulatory & Compliance KnowledgeMIS and Analytical Skills
Preferred Industry Experience
NBFCsHousing Finance Companies (HFCs)BanksMortgage Lending InstitutionsSME/Business Loan OrganizationsRetail Asset Finance Companies
Preferred Candidate Profile
The ideal candidate should possess strong credit judgment, exposure to retail secured lending products, experience in managing a geographic credit portfolio, and the ability to balance business growth with portfolio quality while leading a high-performing credit team.